Cryptocurrencies are picking up a good deal of momentum.
XRP just hit a high of $3.54 from a 2025 low of $2.10. Bitcoin is racing back to $120,000.
And both could easily see higher highs thanks to institutional and retail buying.
Helping, cryptocurrencies exploded after the industry notched substantial regulatory approval, and on news 401(k) plans could include cryptos.
The House Just Passed the GENIUS Act
Late last week, the House of Representatives passed the GENIUS Act, which establishes a framework for issuing and exchanging stable coins, particularly focusing on consumer protection and market stability. It’s now waiting for President Trump’s signature.
The House also voted in favor of the Digital Markets Clarity Act, which could provide a framework for the digital assets industry, including defining the roles of the Securities and Exchange Commission and the Commodity Futures Trading Commission (CFTC).
As noted by Barron’s, “The Clarity Act is in many ways the more important bill to the larger crypto industry as it would address the confusion over whether cryptos are commodities or securities, and what regulator would oversee them. It’s also a more complex effort and still needs to pass the Senate.”
Your 401(k) could soon invest in cryptocurrencies.
Another key catalyst for XRP and other cryptocurrencies, President Trump is preparing to sign an executive order to open up 401(k) plans to alternative investments, including cryptos, the Financial Times reported.
And, as noted by TheStreet.com, “President Trump is preparing to open up the $9 trillion U.S. retirement market to cryptocurrencies, gold, private equity, and other alternative assets — a move that could fundamentally change how millions of Americans save for retirement.”
So, what’s the best way to invest outside of a direct investment in cryptos?
Try these, which we’ve mentioned before.
ProShares Bitcoin Strategy ETF
If you believe the value of BTC will push higher, you can invest in the Pro Shares Bitcoin Strategy ETF (SYM: BITO). With an expense ratio of 0.95%, the ETF tracks the performance of spot Bitcoin, according to ProShares.com.
As noted by Money, “Like all crypto ETFs, part of the allure of BITO is that investors don’t need to deal with cryptocurrency wallets and private keys but can instead invest through a broker they already use.”
YieldMax Bitcoin Option Income Strategy ETF
With an expense ratio of 0.99% and a yield of 1.54%, the YieldMax Bitcoin Option Income Strategy ETF (SYM: YBIT) does not invest directly in Bitcoin.
Instead, it will generate current income via a synthetic covered call strategy on one or more select U.S.-listed Bitcoin ETPs – a category of investment vehicle that is generally backed by an asset such as gold, a commodity, or a crypto token.
The best part – you don’t need to know much about options to buy the YBIT. Just invest, wait for the ETF to appreciate with Bitcoin, collect your dividends, and repeat.
ARK 21Shares Bitcoin ETF
We can also take a look at the ARK21 Shares Bitcoin ETF (SYM: ARKB).
With an expense ratio of 0.21%, the ETF provides exposure to bitcoin which is kept in cold storage by one of the largest crypto custodians, offering greater protection than custody options available to individual investors.
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Written by Ian Cooper